Affordable Family & Individual Health Insurance

For over 20 years we've helped more than 5 million customers find affordable health insurance.

eHealth has maintained an A+ Rating from the Better Business Bureau since 2012 under the business name eHealthInsurance Services, Inc

Individual and Family Health Insurance Options

Individual
& Family

Short-term
insurance

Individual &
Family

Individual Health Insurance

If something unexpected happens to you – like a car accident or a serious illness –
hospital expenses can quickly rack up. Individual health insurance can help prevent
staggering expenses if you face a medical emergency. Major medical insurance is a type
of coverage that provides benefits for a broad range of health-care services, both
inpatient and outpatient. This health insurance can save you money on routine doctor's
visits, prescription drug coverage, preventative care and other medical services. The
plan will typically come with costs such as a monthly premium, an annual deductible,
copayments, and coinsurance.

Some of the factors that may influence the cost of your plan are your age and your
tobacco use. Almost anyone can purchase an individual or family health insurance
plan, and it is no longer possible to be declined based on your medical history.

Medical Insurance Packages

If you can’t afford or don’t qualify for traditional major
medical health insurance, you may want to consider
packaged medical insurance to help protect you
from unexpected medical costs. Packaged medical
insurance is a way of conveniently bundling together
several different insurance products which may also be
purchased separately.

Medical Insurance Packages are designed to function as an affordable alternative to
major medical health insurance (Obamacare) plans. Medical insurance packages have
limitations and don’t meet all of the requirements of the Affordable Care Act.

Short Term Health Insurance

A short-term plan is temporary health insurance designed to help you bridge the gap
between coverage by major medical plans. These provide much less comprehensive coverage
than major medical plans and do not satisfy the requirements of the ACA or help avoid
any ACA tax penalty.

You may want to enroll in a short-term health insurance after experiencing a job loss
to get coverage while between jobs and employee benefits. You may also want a
short-term plan if you are waiting for coverage to start and want protection in the
meantime. Short-term plans usually have low premiums compared to other plans, and
you can be approved quickly, sometimes on the spot. Short-term plans feature
flexible terms and can cover you for any period between 30 days and 12 months.
Short-term plans don’t cover pre-existing conditions and are not guaranteed-issue.

Frequently Asked Questions

Yes! You can enroll for health insurance during Open Enrollment at the end of the
year.

Outside of that time, you can qualify for Special Enrollment Period with
“qualifying life events”. Some of these events include divorce, loss of
employment, income change, new dependents, or moving to a new area. You will
have to prove that you had a qualifying life event, and find health insurance
within a certain window of time. Shopping with the help of resources at eHealth
helps make this process faster, and get you covered as soon as possible.

There are several costs associated with an individual health insurance plan.
Deductibles, premiums, and copayments all play into what your health insurance
costs will come out to. eHealth studies have shown that in 2018 the average
individual premium was $393 without any subsidies. By comparing quotes, and
speaking with a licensed agent, you might be able to find prices significantly
lower than this, that still meet your needs. Taking the time to shop around and
compare can make a huge difference in what you’re paying for your health
insurance.

Prices are fixed by law, so you will not find better prices for the same plan
anywhere else. But comparing your options might help you find low-cost health
insurance. You can shop around online and use free quotes from eHealth to find
providers that offer high-quality, low-cost individual and family health
insurance plans. Seeing all your options could make finding low-cost health
insurance easier.

Coinsurance is the percentage of healthcare costs you pay after you have met your
deductible. Essentially, coinsurance is anything that comes out of your own
pocket while sharing costs with your health insurance provider. If your
coinsurance is 20%, that means insurance is paying for 80% of the costs for your
healthcare.

A high deductible health insurance plan has higher deductibles and lower premiums
than most other health insurance plans. This means you pay a smaller fixed
amount every month, but it will take a longer time for insurance to kick in and
begin cost-sharing (meaning you will pay your percentage of coinsurance for
every bill). You might benefit from this plan if you don’t require many doctor’s
visits or other healthcare benefits. Look at quotes for high deductible health
insurance plans to figure out if this plan is right for you.

If you are looking for individual or family health insurance, it helps to get
advice and ask questions. Licensed insurance agents at eHealth are here to help
you make the right decisions for you and your family. They can give personalized
opinions on what plans will work best for you based on budget and medical needs.
Enrolling in a health insurance plan with the help of an agent comes at no extra
cost to you.

AS SEEN ON

* You cannot obtain coverage under the plan until you complete and submit an application for the plan and your application is accepted and approved by the issuer. Do not send money to the issuer without completing the application process. Benefit exclusions and limitations apply.

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